我国第三方支付监管体制与国际经验借鉴——基于金融稳定管理角度的思考

China's Third-party Payment Supervision System and the International Experiences Reference:Based on the Consideration of Financial Stability from Management Perspective

近年来,随着网络信息和通讯技术飞速发展,新型支付方式崭露头角,第三方支付机构如雨后春笋般涌现,作为具有新技术、新业态、新模式的新兴产业,第三方支付的金融风险隐患也相应产生,影响区域金融安全稳定。克拉玛依辖内拥有新疆唯一一家第三方支付机构——新疆一卡通商务服务有限公司,2014年7月10日获得人民银行总行颁发的《支付业务许可证》(编号为Z2025265000016)。加强对第三方支付机构监管体制的研究,积极借鉴欧美成熟的监管经验,有助于提高基层央行监管的有效性,防范系统性金融风险,维护区域金融稳定。

In recent years,with the rapid development of network information and communication technology,new modes of payment are gradually cutting a figure.The third-party payment institutions are springing up.The third-party payment,as the emerging industry of new technology,new formats and new pattern,its financial risks come out correspondently.These risks have huge influence on regional financial security and stability.Karamay owns the only one institution of thirdparty payment in Xinjiang——XJCARD Business Services Co.,Ltd.On 10 th of July,2014,the company obtained the payment business license,which was issued by the head office of the People's Bank of China(Number Z202526500016).Strengthening research on supervision system of the third-party payment institution and using for reference of matured management experience from Occident are beneficial to improve the efficiency of supervision for grass-roots organizations of PBC,prevent systematic financial risks and maintain regional financial stability.